Personal Card Services

FNB MasterMoney Debit Card


The FNB MasterMoney Debit Card gives you a faster, more convenient way to buy the products and services you need.  You can make purchases online, in a store or anywhere MasterCard is accepted.  Funds will be automatically deducted from your account just like a check.  You can also use it to get cash from any of our ATMs.


And now, if you have a FNB MasterMoney Debit Card, your Rewards are waiting!  Every cardholder at First National Bank of Waterloo is automatically enrolled in this FREE Rewards program where you earn Rewards with every signature transaction made on everyday purchases!

  • Earn 1 point for every $4 spent with your FNB MasterMoney card
  • You must sign for purchases or select the “credit” option
  • No points are awarded for PIN transactions
  • Rewards include gift cards, merchandise, travel and experiences
  • How to redeem your points:  log in to the Rewards! Redemption website


Prewards are discounts you receive simply by paying with your debit card. Sign up for Prewards, and you will automatically be notified of special offers from your favorite merchants available to you– no coupons or redemption codes needed!

You must register for Prewards and tell us how you want to be notified of the special offers. You can choose to be notified online, with a text message or by e-mail. 

The Preward redemption information will not show up on your receipt– you will see the Preward credited back to your account after the purchase is made. Merchants (clerks,cashiers, managers) may not know that the Prewards are being offered so do not be concerned if you mention the program and they do not know about it. You can also use any other coupons you have for that retailer– this is just an additional extra bonus for you!

This program is totally free and available exclusively to all FNB customers that have a MasterMoney debit card. All you have to do is register your card and select how you would like to be notified of the special offers. Then use your debit card to pay and you will see the discount credited back to your account. If you do not have a debit card, simply stop by any banking center to apply.

Shop. Swipe. Save. It is as simple as that!



FNB EZsave

With FNB EZsave, you can grow your savings automatically!

When you enroll, we will round up all of your First National Bank of Waterloo debit card purchases to the nearest dollar amount, and transfer the difference from your checking account to your savings account each day.

Now you can grow your savings with every debit card purchase. Saving has never been EZier! Call or stop in soon to enroll and start saving!


Important Notice

New regulatory changes require you to authorize the bank to pay overdrafts from Debit/ATM transactions.  Opt-In to Overdraft Protection, for your peace of mind.

Learn more and Opt-In




MasterCard SecureCode is a simple and secure way to pay online. A private code known only to you and your bank, your SecureCode enhances your existing MasterCard account by protecting you against unauthorized use of your card when shopping online at participating online retailers.

Learn More